Disclosure of Lending Fees and Charges

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1 Disclosure of Lending Fees and Charges Suva Valelevu Nausori Nadi Namaka Lautoka customer.care@bred.com.fj ALSO FIND US HERE BRED Bank (Fiji) Limited

2 Personal Loans and Overdrafts (Fees below are in Fijian Dollars) Overdraft Excess Fee on Unarranged Excess (each time the account is overdrawn by $50.00 or more) $15.00 per day Loan Approval Fee (new loans and increases to existing loans) Up to $ $75.00 $ to $1, $ $2, to $4, $ $5, to $19, $ $20, to $49, $ $50, and over 1% of the Loan Up to $4, $10.00 per month $5, to $14, $20.00 per month $15, to $24, $25.00 per month $25, to $999, % or $ per month (which ever is lower) $1,000, and over 0.03% per month on Personal Loans $25.00 applicable when repayment is not paid in full within 5 days from its due date

3 Motor Vehicle Loans (Fees below are in Fijian Dollars) Loan Approval Fee (new loans and increases to existing loans) Up to $20, $ $20, to $50, $ Above $50, % of the Loan Up to $20, $20.00 per month $20, to $50, $25.00 per month Above $50, $35.00 per month $25.00 applicable when repayment is not paid in full within 5 days from its due date Inspection Fee $40.00 per inspection Residential Home Loan Loan Approval Fee (new loans and increases to existing loans) Up to $100, $ $100, to $250, $1, Above $250, $2, Switch Fees Inspection Fee $ payable when switching between loan repayment type, changing loan term or fixed and variable inter est rate options. $75.00 for each inspection $25.00 applicable when repayment is not paid in full within 5 days from its due date.

4 Residential Home Loan (contd) Up to $1, $5.00 per month $1, to $4, $10.00 per month $5, to $9, $15.00 per month $10, to $19, $20.00 per month $20, to $49, $25.00 per month $50, to $99, $35.00 per month $100, to $499, $50.00 per month $500, to $999, $ per month $1,000, and above 0.025% per month Investment Property Loan (Residential) Loan Approval Fee (new loans and increases to existing loans) Up to $100, $ $100, to $250, $1, Above $250, $2, Switch Fees Inspection Fee $ payable when switching between loan repayment type, chang ing loan term or fixed and variable interest rate options. $75.00 for each inspection. $25.00 applicable when repayment is not paid in full within 5 days from its due date. Up to $1, $5.00 per month $1, to $4, $10.00 per month $5, to $9, $15.00 per month $10, to $19, $20.00 per month $20, to $49, $25.00 per month $50, to $99, $35.00 per month $100, to $499, $50.00 per month $500, to $999, $ per month $1,000, and above 0.025% per month

5 Business Overdrafts Loan Approval Fee 1% of loan amount (new loans and increases to existing loans) (Minimum $500.00) Up to $1,000, % per month (maximum $300.00) $1,000, and over 0.03% per month Overdraft Excess Fee on Unarranged Excess (each time the account is overdrawn by $50.00 or more) $15.00 per day from day of excess. Business Term Loans Loan Approval Fee 1% of loan amount (new loans and increases to existing loans) (Minimum $500.00) Up to $9, $5.00 per month $10,000 to $49, $20.00 per month $50,000 to $99, $40.00 per month $100,000 to $499, $65.00 per month $500,000 to $999, $ per month $1,000, and over 0.025% per month Finance Lease Loan Approval Fee Stamp Duty on Master Lease $25.00 applicable when repayment is not paid in full within 5 days from its due date. 1% of loan amount (minimum $500.00) 1.75% of facility amount

6 Rental Arrears Collection Fees $25.00 if the monthly rental/repayment is not paid by the due date Bonds & Guarantees Facility Approval Fee Six Monthly Charges Cancellation Document Handling 1.75% of amount of bond / guarantee (minimum $50.00) 1% of amount of bond/ guarantee on a pro-rata basis (minimum $40.00) 1% of amount of bond/ guarantee on a pro-rata basis (minimum $40.00) $ for stamping indemnity on establishment Holding Fees Commitment Fee 1% per annum of undrawn value where the loan is not fully drawn (or progressive loan draws have not commenced) within 3 months of acceptance of Letter of Offer

7 Other Loan Fees Search Fees $45.00 per search Security Document/Production $ per document Settlement Attendance Fees $ (plus disbursements) Handling Fees $30.00 each additional document Security Document Photocopying $1.00 per page Fee Variation to Loan Terms $ Government Charges as per Government mandate. IMPORTANT CUSTOMER NOTICE This Brochure contains our current fees and charges. All fees quoted are exclusive of Government Charges. BRED Bank (Fiji) Limited may vary fees and charges. If we do vary our existing fees and charges or introduce any new ones, we will provide you with prior notice, 30 days ahead of such change becoming effective. The current fees are effective from March Brochure re-print date: March 2017.

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